5 Best RV Insurance Companies of 2022 | Money

October 16, 2022

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Insuring your RV is essential, whether you plan to live in your RV full time or use it for occasional trips.

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Like auto insurance, an RV insurance policy provides financial protection in the event of accidents, injuries, and other unfortunate scenarios. This means it can reimburse you for repairs, hospital bills, and offer liability protection in case you injure someone or damage your property.

Reading: What is the best rv insurance company

Keep reading for our list of the best RV insurance companies and learn how to choose the coverage that’s right for you.

our top picks for the best RV insurance companies

good sam – Best RV Insurance Agency
Nationwide – Best for Multiple Discounts
National Overall – Best for Total Vehicle Coverage replacement cost
progressive – best for eliminating deductibles
roamly – best for renting your RV
auto owner insurance – best for customer service

best RV insurance reviews

why we chose this company: good sam insurance agency is the best option for those who need help choosing coverage. connects you with some of the best RV insurance companies and helps you get a comprehensive policy that fits your needs.

good sam works with well-known insurance companies such as progressive, first and foremost, safeco and national general. Some standard insurance options you can get through Good Sam include comprehensive, collision, liability, property damage, and personal injury protection. other add-ons include full replacement cost, personal effects, and emergency expenses. The agency can even help you customize a full-time RV insurance policy if you use it as a permanent residence.

good sam is also a great option for people crossing the border into mexico in their RV. The company partners with MexicoInsuranceOnline.com, which can link you with one of three different Mexico-based insurers. Agents can recommend add-ons for your cross-border travel based on your specific needs, and you can purchase policies for a single day trip or more.

also offers a storage discount, which allows you to pause liability and collision coverage when your motorhome or trailer is stored for more than 30 consecutive days. this can help you save on monthly premiums if you only use your RV for occasional road trips.

Why We Chose This Company: rvinsurance.com can help you find the right policy, whether you use your RV for vacations or as a residence.

rvinsurance.com works with first of all, national general and safeco. These companies cover all types of RVs, from motorhomes to campers. They offer several policy add-ons, such as total replacement cost, full-time liability coverage, and roadside assistance.

You can get an insurance quote online, but an insurance specialist can help you compare policies if you call.

Why We Chose This Company: National Insurance offers more than 10 different discounts, including discounts for staying claim-free for the previous policy period or for installing security features like smoke detectors .

Most RV insurers offer discounts that can help you save on premiums. however, the list of discounts nationwide is particularly extensive, with more than 10 discount options available.

You can save money by combining your RV policy with your existing home insurance, taking safety courses, joining an RV organization (such as the National RV Association), paying for your annual policy up front, or purchasing the company full time.

Please note that not all discounts are listed on the national website, and some only appear during the listing process. for example, according to a customer service representative, they also offer other discounts for installing safety features, such as a tire pressure monitoring system or fiberglass bodywork.

Your standard policy includes liability, collision, medical payment, uninsured/underinsured motorist, and comprehensive coverage. Additional endorsements include roadside assistance, towing and labor, vacation liability, safety glass replacement, replacement costs, and coverage in Mexico.

Why We Chose This Company: Full replacement cost coverage can generally only be purchased during the first model year of an RV. General National, however, allows you to get the passenger within the first five model years of an RV.

With total replacement cost coverage, also known as total loss replacement, your RV is replaced with a new or similar one if it is destroyed or stolen. you can also be refunded the original purchase price of the vehicle.

This type of coverage is generally only available for newly purchased motorhomes or travel trailers up to one or two years old. For example, a 2022 model year will likely be eligible until 2024. So if you buy a used RV or don’t insure the new one as soon as possible, you risk your vehicle being deemed ineligible.

With National General, on the other hand, RVs are eligible for their first five model years. The company can also insure your RV, whether you’re the first owner or not; some companies limit this type of coverage to the original owners.

The company allows you to pause your coverage when your RV is in storage, an option not available with many other carriers. You can save money by suspending passengers for collision and personal injury, for example. however, your RV would still be covered against theft, fire, inclement weather, and other accidents other than collisions.

why we chose this company: progressive offers that disappear deductibles, accident forgiveness and a wide range of discounts.

With the progressive, you can save on premiums if you are the original owner of the motorhome or if you pay your policy in advance, among other discounts. However, what makes Progressive’s list of discounts stand out are the disappearing deductibles and the forgiveness of accidents. Not many companies have these discounts available, and if they do, they only offer one or the other.

With the disappearance of deductibles, the longer you go without filing a claim, the lower your insurance deductibles become. progressive deducts 25% of your total deductible amount for each policy period with no claims. after four consecutive claim-free periods, your deductible will be $0. other insurance companies that offer disappearing deductibles limit the discount to a maximum of $500; if your deductible is more than $500, you’ll still have to pay the remaining amount.

Disappearing deductibles, also known as disappearing deductibles, come at an additional cost. however, the feature is included if your vehicle is valued at $25,000 or more, and you purchase the comprehensive and collision coverage package. both passengers are recommended as they ensure the vehicle is covered for auto accidents and non-collision events such as fire.

Accident Forgiveness, which prevents premium rates from increasing if claims are $500 or less, is included at no additional cost.

Why We Chose This Company: Insurers typically decline coverage if you rent your RV to someone else. With roamly, you can rent your RV and still be covered for liability and vehicle damage.

Rental recreational vehicles require comprehensive commercial insurance because they are exposed to more risks than personal vehicles. Renting your motorhome or camper without insuring it can lead to denied claims, especially if the renter doesn’t have coverage either.

With roamly, your motorhome is always covered when listed on rental platforms like outdoorsy (owned by roamly). When someone books your RV through Outdoor Activities, you can purchase a Renter Protection Package. These policies may include travel protection, interior damage, and travel medical insurance.

covers recreational vehicles rented for actual cash value during a rental period. In addition, the policies include $1 million in liability insurance protection during each trip.

why we chose this company: auto-owners is our choice for the best personalized customer service due to its network of independent agents, online customer service center and mobile application. customers can access claims, billing, and other important policy documents on their phone, tablet, or computer.

Auto Owners has an impressive track record of customer service, with fewer complaints filed with the National Association of Insurance Commissioners (NAIC) than most competitors. it also ranked above average in several regions in j.d. power’s 2021 auto insurance customer satisfaction study.

Unlike other companies, auto-owners only sell their insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies that can best advise you on specific insurance requirements in your area. for example, statutory limits on liability for bodily injury and property damage vary by state.

Car owners offer various discounts for owning multiple policies, complying on time for the last 36 months and paying the annual premium in full. Other discounts are available when you enroll in paperless billing, take a driver safety program, or are over 50. .

Other RV Insurance Companies We Consider

During our search for the best RV insurance providers, we narrowed our initial list down to 11 companies. the following did not make our final cut, not because they were missing, but because other competitors stood out more.

aaah

all states

geiko

safeco

main

farmers

united states

financial country

national interstate

the hartford

motorhome insurance guide

Most RV insurance providers offer comprehensive policies that cover everything from collision, theft, personal belongings, medical expenses and more. however, not everyone needs an all-inclusive policy, especially those who use their RVs in moderation.

Keep reading to learn about the different types of riders available and tips on choosing the best coverage for your needs while saving on monthly premiums.

types of recreational vehicles

RVs, more commonly known as RVs, can be classified into one of four categories: Class A, Class B, Class C, and towable RVs. the first three are mobile homes, meaning they are manageable units equipped with accommodations and appliances. Towable RVs, also called RVs or trailers, can also have home comforts. however, some are designed to transport animals or cargo.

here is the summary of the different types of RVs available:

class a motorhomes

Class A motorhomes are the most luxurious and spacious. They are similar to commercial buses, measuring between 24 and 45 feet in length and seating up to 12 passengers. however, its size can make it difficult to drive and limits its mileage to about 10 miles per gallon or less.

class b motorhomes

Class B motorhomes, also known as “camper vans,” are the smallest and least expensive type, ranging in length from 17 to 19 feet. These are standard-size vans that are usually packed with a compact kitchen, a bathroom, and a folding or fixed bed. their limited living space makes them suitable for four or fewer passengers who enjoy minimalist travel.

class b+ or b plus motorhomes

class b+ or b plus motorhomes are the older sisters of class b motorhomes. these vehicles are between 17 and 30 feet, fit larger beds and larger bathroom and kitchen areas.

class c motorhomes

class c motorhomes are the happy medium between class a and b motorhomes. They can be between 21 and 41 feet long and are easily recognized by their sleeping or storage area above the cabin. Although smaller than Class A RVs, Class CSs are suitable for full-time occupancy while offering better fuel economy and easier maneuverability. these vehicles can accommodate up to eight passengers and include a fully equipped kitchen and spacious dining, bathroom and living room areas.

towable caravans

Towable RVs are towed by hitches on sport utility vehicles, pickup trucks, or any vehicle that can tow the weight of the RV. Towable RVs that feature accommodations include fifth wheels, toy haulers, travel trailers, and pop-up RVs. these range from less than 10 feet for pop-ups to 30 feet for fifth-wheel trailers. Truck campers are also considered towable RVs, but a hitch does not pull these. instead, they sit in the bed of a pickup truck. other types of towable recreational vehicles include utility, cargo, and horse trailers.

types of motorhome insurance

Because mobile homes can be both a vehicle and a primary residence, there are special considerations when insuring them. Some policies only offer basic liability protection; others are broader and include personal effects and emergency expense coverage.

Note that, at a minimum, you must have liability coverage that meets your state’s minimum liability insurance requirements if your RV is self-propelled. this applies whether the vehicle is used occasionally or as a residence.

If your RV is towable, the insurance on the vehicle used to tow it may extend to the RV. however, keep in mind that the tow vehicle policy typically only covers liability and not physical damage to the motorhome or attached accessories.

best rv insurance features for full-time rvers

People who use their RVs for weekend getaways should have at least basic liability coverage that meets the minimum requirements for their state.

Other worthwhile plugins for part time rvers are:

Property Damage Liability Coverage: Pays for damage you cause to someone else’s property or vehicle.

Bodily Injury Liability coverage: Helps pay for medical expenses and the people you injure in an accident in which you were at fault.

Collision coverage: Covers the repair of your RV after an accident with another vehicle, whether you are at fault or not.

Comprehensive coverage: pays for damages caused by theft, vandalism, natural disasters or fires, and other non-collision accidents.

Uninsured/Underinsured Motorist Coverage: Covers the cost of repairs to your recreational vehicle and medical payments if you are in an accident caused by an uninsured or uninsured driver. that you have insufficient coverage to pay your claim.

personal injury protection (pip): covers medical expenses for both you and your passenger in the event of an accident, regardless of who was at fault. it also covers lost wages.

Camp/Vacation Liability Coverage: Helps pay legal costs if you are found at fault for injuries sustained by a non-family member while you are away. the campground or inside your RV .

Roadside Assistance: Provides repairs, towing and 24-hour emergency assistance in the event your RV has a flat tire, dead battery or other malfunction.

best rv insurance features for full-time rvers

full-time travelers should consider having a more comprehensive policy that includes the add-ons listed above, in addition to these:

Personal Property Coverage: Covers the cost of replacing any damaged or stolen personal property. this includes clothing, furniture, jewelry, and computers, for example.

Total Loss Replacement: Replaces your RV with the same or similar model if your vehicle is ever stolen or destroyed in an accident. in other cases, the insurer may reimburse you for the original purchase price. Please note that lenders may require this coverage if you finance your RV.

Full-Time RV Liability Coverage: Adds additional liability and medical coverage if you live in your RV for six months or more each year.

Emergency Expense Allowance: Covers living and travel expenses, such as car rentals, room and board, up to a specified amount if your RV leaves you stranded, usually at more than 100 miles away.

Specialized coverage: can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that occur in the vehicle.

Loss Assessment: Helps pay fees charged by RV associations for damage to common areas of a campground, for example.

how to buy motorhome insurance

take the time to search for insurance quotes

The cost of RV insurance varies based on your driving record, the state you live in, the type of vehicle, and whether you intend to live in the RV full-time or use it for vacations. additional coverage options, like pet and accessory insurance, will increase your premium.

Requesting multiple RV insurance quotes can work to your advantage. those who compare estimates and coverage options before choosing often find the best rates.

If you don’t have time to shop around, you can consult with an independent insurance agent. they will usually provide information and guide you to companies with attractive rates and policy features that meet your needs.

Consider bundling multiple policies

Most insurance providers offer a multi-policy discount when you bundle your RV insurance with other qualified policies.

You can save on premiums by combining your RV policy with your existing auto, home or boat insurance. Some insurers also allow you to bundle your policy with renters or life policies. Bundling multiple policies under a single provider can also reduce the hassle of dealing with different companies for claims.

If you don’t want to pay two premiums, you may want to consider adding your RV to your existing auto insurance policy. however, coverage for an automobile generally extends only to mobile homes or towable trailers, not mobile homes. Also, keep in mind that auto insurance may cover damage to the RV and liability, but not belongings or appliances inside the RV. Homeowners insurance may also offer some RV coverage, but only when the vehicle is parked on the premises of the insured property.

General insurance may also cover your RV. This type of policy covers liability claims that exceed the limits of your primary auto, home, or RV policy. however, please note that your coverage is only activated if your RV is covered by an underlying policy that meets the liability requirements of the umbrella policy. .

check available discounts

In addition to the savings from bundling multiple policies, companies often also offer discounts for:

pay the full annual policy up front
make monthly payments on time
remain claim-free for the previous policy period
be the original vehicle owner
have safety features installed on your RV (for example, a tire pressure monitoring system)
have a favorable loss history ( insurance loss record associated with the vehicle)
be a safe driver (remain accident-free for at least three years)
take safety courses
be a member of a recreational vehicle association

Reduced insurance premiums are also available for drivers age 50 and older and who do not insure drivers under 25 on the policy. Buyers can also save by going paperless instead of receiving documents or bills in the mail.

insurance when renting a motorhome

If you plan to rent an RV for a vacation, you should consider getting RV rental insurance. This type of policy is similar to rental car insurance in that both generally provide coverage for liability, collision damage waiver, personal accident, or personal effects.

Policies can be purchased through the rental company or your own insurance provider, if they offer such coverage. however, keep in mind that your current auto or RV insurance may already extend some coverage to the rented RV. Coverage may not be available in all states or for trips longer than 30 days, so call your insurer to verify before you leave.

Some insurance companies also cover your RV while traveling in Mexico. While this type of policy can be useful for someone planning a vacation, it is more commonly recommended for owners of RVs who cross the border frequently.

rent your motorhome

If you rent your RV to others, it is considered a business use and your insurance policy will not cover the renter. the person must obtain their own rental insurance for the trip. If you simply lend your RV to a friend or family member, your current coverage may be extended to them, depending on the details of your policy.

However, it’s important to note that some states, including Arkansas and Wisconsin, require drivers to obtain special licenses to drive motorhomes.

If you live in one of these states and you lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

how we choose the best RV insurance

coverage options and discounts

We select companies that offer a wide selection of coverage options and premium discounts.

customer satisfaction

we favored companies that had above-average scores on j.d. power satisfaction studies. We also consider customer feedback from review sites like the better business bureau (bbb).

financial strength

we consider the financial strength of each insurer based on its best a.m. a.m best is a credit rating agency that focuses on evaluating the creditworthiness of insurance companies.

complaint index

We looked at each insurer’s Complaint Trend Report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.